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Life Insurance

Life Insurance Farmington Hills MI - Auto Insurance Companies, Boat, RV, Independent Insurance Agents - Baty Agency - family_in_front_of_houseOne of life's rewards for working hard and saving for a rainy day is achieving financial security. One of life's realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind.
There is a solution.... life insurance. Life insurance can create an immediate cash fund for loved ones. So, even if death is premature, financial security for your family is possible.

provides coverage for a specified period of time such as 10, 20 or 30 years. It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young. Typically, term insurance does not provide cash value.
Universal Life

Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits. Universal Life programs can be custom designed to fit individual protection needs, financial security needs and supplement retirement needs.
Whole Life

Provides level death benefit protection with level premiums and guaranteed cash values. Auto-Owners Whole Life insurance can provide needed cash value for emergency family needs and can help supplement future retirement income.
Disability Income

People work hard to afford what they enjoy in life and to pay their continuing expenses such as food, clothing, shelter, utilities, insurance premiums and entertainment. Their ability to earn an income is their most valuable asset. If that ability is interrupted because of an accident or sickness, they may find it difficult to maintain their standard of living and impossible to plan for the future, such as Medicare and Medicaid provide limited protection.
Long Term Care

Long Term Care is the care you receive when you cannot take care of yourself because of a physical or cognitive impairment. This care is usually provided either in your home, an assisted living facility, or a nursing home.


For You

Our insurance programs and product have kept up with the times. The Baty Agency works with many carriers to provide the most up to date coverage, to protect your personal needs.

Life Insurance Farmington Hills MI - Auto Insurance Companies, Boat, RV, Independent Insurance Agents - Baty Agency - 156472947At The Baty Agency, we focus on providing you a carrier that can provide you the products and services you would expect from an Independent Agent. We continue to factor loss preventative measures and lower risk factors into our insurance premiums. We can can provide complete details about our generous credits/discounts that are availble to you.

Life Insurance Farmington Hills MI - Auto Insurance Companies, Boat, RV, Independent Insurance Agents - Baty Agency - beautiful_luxury_home_exterior_iStock_000017841275MediumNo one wants to contemplate the possibility of losing everything ? or anything ? to unforeseen circumstances. Our outstanding Homeowners Insurance features provide the assurance you need. Our Homeowners Policies are equipped with some of the highest standard coverages in the insurance industry, and may be enhanced to include unique features that serve your life-style.

Life Insurance Farmington Hills MI - Auto Insurance Companies, Boat, RV, Independent Insurance Agents - Baty Agency - BoatSpend your valuable summer hours enjoying your yacht, boat or PWC not worrying about financial loss if damage occurs. Know that your boat investment is protected wherever you use it and even when it is laid up during the winter. At The Baty Agency, we offer you the best available boat insurance coverage at a cost you can afford. We understand the Michigan boating lifestyle and represent insurance programs that are easily customized to fit your individual needs.
Rental Properties

Life Insurance Farmington Hills MI - Auto Insurance Companies, Boat, RV, Independent Insurance Agents - Baty Agency - 146024173Most of us think of fire as the greatest threat to our home or business, but fire is not a landlord's only risk. Of equal concern is liability for an accident on your rental premises that results in injury and is determined to have resulted from your negligence as landlord. In researching Rental Dwelling Policies, we have taken into account these and other risks faced every day by landlords. Additionally, a series of optional coverages are offered to further fine tune your Rental Dwelling Policy.
Umbrella Liability

Personal Umbrella insurance, sometimes called peace-of-mind coverage, is extra protection against large liability claims. While your underlying auto, home and marine policies provide liability protection, the coverage may not be enough should you face a catastrophic liability claim.

Eligible yachts are 26 feet or more in length and we are willing to look at many vessels that other carriers ignore.

For Your Future

How do you define retirement? Is it a distant dream or have you started planning for retirement already?
Most financial experts suggest that the right time to start retirement planning is in your late 20's allowing you to fully harness the power of compounding. Regardless of your age however, retirement planning is essential and can save you a lot of trouble later.
So, if you didn't start your retirement planning in your 20's then The Baty Agency can help you get started now.
Fixed Annuities

Nonqualified deferred annuities are one of the best ways individuals have to set aside money on a tax-deferred basis. A nonqualified deferred annuity is one which is not used as part of any qualified retirement plan, Traditional IRA or Roth IRA. Contributions made into a nonqualified deferred annuity are not income tax deductible. However, the amount contributed is not limited to a certain dollar maximum each year, and the earnings of the deferred annuity accumulate on a tax deferred basis. A unique feature of an annuity, not found in any other investment vehicle, is that it can provide a stream of income that cannot be outlived. If the annuity benefits are to be paid over a lifetime, the monthly or annual benefit amount is guaranteed to come each and every month or year regardless of how long the individual lives. Several other payment options are also available. In the event of death, all proceeds can pass directly to a named beneficiary, without surrender charge, probate delay, estate settlement costs, or publicity.

A Traditional IRA is a personal retirement savings plan. Contributions may be tax deductible and interest earnings are tax-deferred. Anyone under the age of 70-1/2 with earned income can contribute up to 100% of earned income per year. Taxpayers age 50 and over can make an additional annual "catch-up" contribution.
Roth IRA

The Roth IRA is a personal retirement savings plan. Contributions are not tax deductible, however, distributions of earnings are tax free under certain circumstances. If you have earned income, you may be able to establish a Roth IRA.
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